Pearaing OD is a flat area which is affected seriously by flood. CBHI implemented in this OD is also affected. One reason of drop out and not becoming member because of no money. In the areas of 9 health centers which CBHI implemented in 89 villages, 60 villages (67%) are flooded and nearly all rice are distroyed. The agents are difficult to access the villages they work. The people have no money to pay for CBHI membership and continue membership. They are also hopeless for their rice caltivation.